1 Less RGV on the road

Firstly, bloody hell! The start of a great summer's worth of riding and you get taken out by some numb nuts pulling a U-turn. Glad to hear your overall ok though; as always... might be good to just get checked out by a doctor to be 100% sure.
Atleast i got 1 good ride with you on the RGV - even if it was an 'interesting' one at that.

Secondly:- depends on your insurance situation, but assuming your 3rd Party then your insurance company probably won't help you very much. Depends on who your with though; best idea is to phone them up and play Q&A with them over what they recommend to be the best process to follow.

Generally it goes something like this:-
- You got the details of the driver who has admitted fault, so you contact their insurance company and tell them the incident occured, only give them the details that they ask for.
- You get a quote on the damage to the bike and send it to the other persons insurance company.
- By that time their insurance company has questioned them about the incident and they'll either admit fault or deny it... (fingers crossed they just admit it as that will greatly speed up the process).
- Then you play the waiting game... it may be a week, it may be alot more... but if you keep calling their insurance company it may or may not hurry up the process. Eventually you'll get a cheque out of them for the amount for the damage, or replacement value for the wrecked bike.

I recommend going and checking out a few quotes, and figuring out how much you can get it repaired for on the cheap. Then find out how much the insurance company is buying the wreck of you for... BEFORE you accept the payout, and make sure you hang onto the bike. In some cases they're only paying you ~$600 for the bike! Take your remaining money and do as you wish... fix your bike... sell it for parts and buy another RGV... buy a bigger bike <!-- s --><img src="{SMILIES_PATH}/icon_biggrin.gif" alt="" title="Very Happy" /><!-- s --> , etc etc.

Oddly enough, we were having very similar discussions about insurance and accidents down at South Bank coffee tonight. Spooky...

 

Well that's taken from The Red Book, and supposedly that's the payout value from most insurance companies unless you can prove otherwise - but even then it's all an uphill battle.

The truth is - that person caused you to be without a pretty damn mint bike; and as such should pay to replace a bike in that condition. Finger crossed - let us know how it pans out.

edit:
Red Book is abit of a mixed bag though...

 

sorry to hear the bad news grendal...

simon

 

Grendal, go to the Doc and get yourself checked out. It should be considered as part of the accident and should be paid by the person that caused the accident.

Bikes can be replaced. You, my friend, cannot.

Keep us posted please.

 

wish I had read this earlier...

!!REPORT IT TO THE COPS!!

I'm not sure if you have done that already, but you have 24 hours to report any accident to the police. If you don't, and he says you just ran him up the back, you've got no leg to stand on and it will be deamed YOUR fault.

Get to the local police station ASAP

 

Sorry to hear about the bike but at least you are ok, I will second the idea of visiting to the doc.

Those red book prices for the RGV are a bit screwed up.

 

glad to hear you are ok!

I don't have much comment on the insurance except hope that it all works out well! Don't forget to ask for gear compensation either...

 

Happy to hear you are ok Grendal.
Sorry about your bike.

Road accidents happen, thats the risk we take each time we leave the driveway and so long as we are not involved in a fatality or suffer any major bodily harm ----------- accidents are very ANNOYING and
INCONVENIENT, especially through no fault on our part.

I do hope you get a fair price for your bike.